When we are injured, we often think how long will it take to recover and will this injury impact my life. For most injured individuals in Texas and elsewhere, their main concern is finances. This is not only related to the costs associated with medical care but also financial losses caused by the inability to work. If an injury has left a person disabled temporarily or permanently, it is possible to seek benefits through the Social Security Administration.
The SSA has designed disability programs to assist those suffering from a disability that are unable to work because of it. There are two programs that individuals could apply for. Social Security Disability Insurance, or SSDI, is a well-known program as it is available to those with enough work credits. However, if an individual does not qualify for this program, it is still possible to obtain benefits though Supplemental Security Income.
How can SSI benefits help disabled individuals? SSI is a public assistance program and is designed to be needs based, which is determined by Medicaid criteria. To be eligible for these benefits, an applicant must be disabled, over the age of 65 or visually impaired. In addition to meeting the qualifications, an applicant must also have an income below a specific threshold.
Those seeking SSI benefits based on disability must meet the SSA’s strict definition of disability. An applicant must be unable to perform substantial gainful activity for at least 12 months. This means that a person’s impairment must prevent them from being able to work for a year or is expected to for at least a year. Certain factors are considered when the SSA makes a decision on an application. This includes age, education, past relevant experience, years worked and salary received.
If you are disabled and unable to make ends meet because you are no longer able to work, it is important to understand your rights and what option are available to you. SSD programs could be very beneficial, as they could provide the financial resources needed to meet your basic living needs.
Source: Journalnow.com, “Social Security Disability and Supplemental Income basics,” accessed on Dec. 31, 2017